General Liability Insurance for Oklahoma Businesses
We’re Here to Help
We know what it takes to run a small business because we are one, and we take pride in helping you protect your business with the right general liability and other insurance policies.
Outstanding customer service
Our clients value our personalized approach, our friendly team, and being able to reach a real human being with any questions.
Experienced, helpful team
We’re a family owned insurance agency that has been serving Oklahoma for 40 years, and we have three generations working in our office.
Decades of experience
With 40+ years of experience, we work to understand your business and the risks involved to ensure you get the right insurance coverage.
Why Oklahoma Contractors and Businesses Love Our Agency
We’re a family owned company with three generations working in the office, and our customers love the personal attention we provide for their insurance needs. We’ve been helping Oklahoma contractors and many other businesses with general liability insurance, contractor’s equipment insurance, and much more for 40+ years.
If you are looking for an insurance agency that cares about you and your business, let’s chat.
Our process for general liability insurance
If you’re looking for general liability insurance, contractor’s equipment insurance, or another policy to protect your business, you’ve come to the right place.
We make the process as simple and straightforward as we can, and a real human being is here to answer any questions you may have.
STEP 1
Request
a quote
Call, email, or complete our online form to request a quote. We’ll send you a form to gather the necessary details for the quote.
STEP 2
Review
the quote
We’ll complete the initial applications and send quotes for insurance policies that meet the needs of your business.
STEP 3
Sign, pay,
and bind
Once you choose your coverage, simply sign and pay online so we can bind coverage and provide a certificate of insurance.
STEP 4
Gain peace
of mind
Keep doing what you do best with the peace of mind that you have the right insurance policy to protect you and your business.
Ready to get started exploring your options for general liability insurance?
Don’t leave your business at risk
We’ve been in the insurance industry for 40+ years, and we’ve seen what can happen if businesses don’t have general liability coverage or have inadequate coverage. You’ve worked hard to build your business, and the right insurance policy can help protect it.
Let’s talk about your options for general liability coverage.
General Liability Insurance: Frequently Asked Questions
What is general liability insurance?
General liability insurance protects your business from financial losses due to property damage, bodily injury, or personal injury caused by your business, your products, or your employees. It covers things like damage you cause to a client’s property, someone getting injured at your place of business, or things like libel, slander, and copyright infringement.
It’s a critical policy for Oklahoma contractors working on client property and businesses who interact with the public in some way, including consulting companies.
Does my business really need general liability insurance?
The short answer is YES! While there may be a few businesses here and there who don’t need a general liability insurance policy, most businesses do. It’s one of the best policies to protect your business from financial losses due to property damage or bodily injury. Many Oklahoma contractors are required to show a certificate of insurance when working with other companies.
I have an existing policy but want to change providers. What’s involved in that process?
If you’ve been in business and have an existing policy, you will need to request a loss run report from your current company. The new insurance company will typically need to see a three-year loss run to underwrite your coverage.
What isn’t covered by general liability insurance?
General liability insurance doesn’t cover employee injuries, professional mistakes, or damage to your business property. Each of those categories is covered with its own type of insurance.
If I have general liability, do I also need contractor’s equipment insurance?
Typically a general liability policy would cover Oklahoma contractors if your equipment caused damage to someone or their property, but it doesn’t cover something happening to your equipment, like breakdowns, theft, or vandalism. That’s where contractor’s equipment insurance comes in. Once we know a little more about your business, we can make a recommendation for the types of coverage you need.
How much general liability insurance do I need?
How much insurance you need depends on business size, level of risk, and any industry requirements. Companies you work with may have minimum requirements as well. You want to be sure your coverage is enough to protect your business should an issue arise. Insurance companies may audit your business annually to ensure your business numbers align with the premium you are paying.
The best way to determine how much insurance you need is talking with a qualified agent who can ask some questions about your business and talk through your coverage options.
Not sure what you need?
We’ve worked with hundreds of companies in our 40+ years in business to get them the right commercial insurance coverage for their business liability risk. Contact our team today to discuss your business. We can help answer your questions and get a plan in place.
